Not is the mother of invention, this is also true for many of the pressure on troubled banks, such as the “world” reported.
Ten Euro fee per account statement
this is The example of Fidor Bank shows. With your group’s slogan “Simple. Flexible. Digital.“ awaken to the direct Bank’s customers the impression, to ensure a smooth handling of the account activities. But this is only partly true. The – according to a statement on the Website of the “Internet Bank, with headquarters in Munich,” he demanded of a business customer based directly starting in November 2019, with a five-Euro account management fees per month. The would reimburse him / her for Fidor as a “Bonus” if more than ten transactions run through the account. The customer pulled the plug and announced with a period of two months. With FOCUS Online, the best money provider to find (display)
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Nearly two weeks later, the (Still-)customer received the Information that the termination was completed, “ is a direct access to your account”, wrote the Bank to the startled man, according to the report. The published found out that he could still request not downloaded Bank statements only for a fee of ten euros per piece.
On demand Fidor did not rule out that “unfortunately, it is a wrong machining” took place, such as in the report. The previous customer got his extracts finally free.
Ing Diba, requires from may, the minimum input amount
The procedure of Fidor is for a number of similar cases. More and more money houses charge fees for services that were formerly free.
the Latest example: The Ing demands of customers charges, if monthly, less than 700 Euro received on the account. Anyone who remains below this amount, you must shell out from the Mail on a monthly basis 4,90 Euro fees. The Bank does not want to set the customer under pressure, use your ING checking account regularly, but only for money Parking.
by the taxpayer in the financial crisis, rescued Commerzbank calculates just internal price increases.
again and again, banks make headlines, the long-term customers from lucrative savings push contracts.
In all the above examples, banks and savings banks with the same reason for your little customer-friendly procedure: The low interest rates allowed only small margins in lending. As the money houses, earn hardly anything, turn on the fees screw.
Also interesting: The best of offers for day money and hard money – 2 percent on your money – that there really is: What are the banks now offer the Top interest rates
penalties threaten to be everyday life
more and more banks charge customers with negative interest rates. The money houses must pay for their at the ECB, the money parked by 0.4 per cent criminal rate of interest and pass these costs increasingly on the account holder.
The Online comparison portal Verivox lists startling Figures: Currently,
- 56 banks interest to publish a Negative effect on your Website or in your Online price list.
- 6 banks to charge fees for the previously free money market account. The results in the light of the mini interest, praised, often at negative interest rates.
in addition, there are, according to Verivox some banks that charge their customers with negative interest rates, without the need for the known.
charge a fee of 0.5 per cent on balances on checking or money market accounts. For some a threshold of 100,000 euros, some people will apply – and Raiffeisen banks long, however, for savings amounts of EUR 50,000.
even now, the majority of savers to pay for it
the ECB Should adhere to their strict interest rate policy and the money houses, no lucrative new business models invade, then have to adjust many small savers at negative interest rates. In view of the current inflation rate of 1.7 percent, you lose now money every month. The interest tilt to the Negative, increases the losses.
money from the savings account to deduct and in stock
Who wants to get out of this vicious cycle, investing should at least invest part of his free money into stock market investments. In order to circumvent the price risk in the case of single values, are ETF (“Exchange Traded Funds”) to the plant. These exchange-traded index Fund and diversify their funds in a variety of different companies, and reduce the risk of loss. Another advantage of ETF: they are cost-effective.
in addition, Numerous direct banks to Woo customers with discounts and Mini fees. Those who accept such an offer, you can build by using a long-term savings plan for a small fortune – without spending high fees to spend. FOCUS-MONEY – The best ETF strategies 2020
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